Lenders in competitive markets must grow loan books while non-performing loans, thin margins and new fintech entrants squeeze returns. Five days help senior credit leaders connect strategy to the numbers that decide whether growth is profitable. Discussions begin with risk appetite statements, target market definition, concentration limits and pricing for risk, then move to portfolio steering with vintage curves, roll rates, expected credit loss under IFRS 9 and stress testing.
The innovation strand covers alternative data, machine learning scorecards, digital and mobile lending, embedded finance, supply chain finance and automated decisioning, along with the governance, fairness and model risk questions that come with them. You evaluate how each idea would work in your own institution, weighing costs, controls and customer outcomes. The programme suits chief credit officers, heads of retail, SME and corporate lending, credit risk managers, portfolio analysts, product heads and board risk committee members in banks, microfinance institutions, SACCOs and non-bank lenders. Classroom, online and in-house formats are available, and a CPD-accredited certificate follows completion. You leave with a prioritised credit strategy and an innovation roadmap you can take to your executive committee.
Credit remains the principal source of income and the principal source of loss for most financial institutions. Yet many lenders still run strategy and risk as separate conversations: sales teams chase volume while risk teams tighten policy after losses appear. The result is cyclical lending, inconsistent pricing and slow responses to new competitors that use data and technology to approve loans in minutes.
Strategy and Innovation in Credit Risk & Lending brings those conversations together for senior practitioners. Participants examine how to translate board risk appetite into portfolio targets, limits and underwriting standards, and how to read portfolio signals early using delinquency analytics and provisioning results. They then assess innovations in scoring, data sources, digital channels and partnerships, considering where each adds value and where it introduces conduct, data protection or model risk.
The programme is discussion based and decision focused. Delegates analyse sample portfolio data, challenge a proposed lending product through a structured business case, and debate trade-offs with peers from other institutions. Each participant completes a credit strategy outline and a prioritised innovation roadmap, with clear owners, controls and measures of success for their own organisation.
By the end of the course, participants will be able to:
Participants leave the course with:
The programme is built for experienced lenders and uses their own judgement as raw material. Delivery includes:
Day 1: Credit Strategy and Risk Appetite
Day 2: Portfolio Steering and Early Warning
Day 3: Impairment, Pricing and Capital
Day 4: Data, Scoring and Digital Lending
Day 5: Innovation Governance and Roadmap
The programme is intended for leaders and specialists who shape credit decisions, including:
Participants who attend all sessions and complete the strategy exercise receive a CPD-accredited Certificate of Completion issued by Vision Reach Global Consultancy.
Upcoming cohorts
CPD-Accredited
Official invoice & confirmation letter provided
Team discount for 3+ seats
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Everything you need to know about this course before you register.
By the end of the Strategy and Innovation in Credit Risk & Lending programme, you'll be able to translate a board risk appetite into portfolio limits, target segments and underwriting standards, steer the loan book using vintage analysis, roll rates and early warning indicators, interpret expected credit loss results under ifrs 9 and their strategic implications, and price loans for risk, cost of funds and capital. The full breakdown of topics is covered session by session in the Course Outline tab above.
The programme is intended for leaders and specialists who shape credit decisions, including: Chief credit officers and chief risk officers, Heads of retail, SME, agricultural and corporate lending, Credit risk and portfolio managers, Product and digital lending managers, Collections and recoveries heads, Board risk and credit committee members, Microfinance and SACCO general managers, and Fintech and non-bank lender executives.
Strategy and Innovation in Credit Risk & Lending Training Course typically runs as 5 Days. It's available as in-person classroom, live virtual, and in-house corporate training — every course can also be delivered on-site for your team on dates that suit you.
Strategy and Innovation in Credit Risk & Lending Training Course is scheduled in-classroom in Nairobi, Kenya, Mombasa, Kenya, Naivasha, Kenya, and Kisumu, Kenya, and 14 other locations, plus a live interactive virtual classroom you can join from anywhere. Check the schedule panel above for exact upcoming dates and fees in each location.
The next live virtual cohort of Strategy and Innovation in Credit Risk & Lending starts October 26, 2026, with new classroom cohorts also running on a rolling basis. Pick a date and location in the schedule panel above, then click "Register for the Course" — it takes a few minutes and your seat is confirmed once payment or a signed purchase order is received.
Yes — delegates who meet the attendance requirement receive a Certificate of Completion for Strategy and Innovation in Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Strategy and Innovation in Credit Risk & Lending Training Course is pitched at advanced professionals. If you're unsure whether it's the right fit for your current role or background, message our training advisors before you register and they'll help you confirm.
Fees for Strategy and Innovation in Credit Risk & Lending Training Course vary by delivery location and format and are shown in real time in the schedule panel above once you pick a date. Register 3 or more delegates on the same course together and a 5% team discount is applied automatically — larger cohorts can request a custom corporate quote.
Yes — Strategy and Innovation in Credit Risk & Lending Training Course can be delivered on-site at your offices (or virtually for distributed teams), with case studies and examples tailored to your industry and the specific challenges your team is working through. Switch to the "In-House" tab in the schedule panel above to request a proposal.
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